Showing posts with label CFPB. Show all posts
Showing posts with label CFPB. Show all posts

Tuesday, November 18, 2025

Time to make corruption a resistance issue, as powerful as affordability and NO KINGS

Update:  A comprehensive view of Trump's corruption: 

https://www.nytimes.com/2025/06/07/opinion/trump-corruption.html?unlocked_article_code=1._U8.Pu8A.ks_n9mGjhyFs&smid=url-share

  While affordability looks like it will be the main driver of the 2026 midterms, there is another story out there that will have staying power. It is corruption. Since so much is right in the open,, what we have seen is contributions that are often laundered through third parties to separate the "contribution" from the payback or separated by time, happening months later after the donation was made in a seemingly unrelated manner. It is the pattern that will eventually reveal how corrupt the Trump regime is...Putting the pattern together is this piece from the NY Times.. The next challenge will be making the case in a way that the general public grasps the scope and understands how this affects their lives. The true puzzle to me is why MAGA and the GOP do not care? Is it that other issues impact their day-to-day lives more...affordability, racism and bigotry, class warfare of the working person against the big guys, or disgust with his immoral behavior? Perhaps all of the above will play a role, but corruption is bound to be an issue. It is still developing. It will take a few poster child worthy examples of Trump's obvious rewards to connect those who pay to play as an example of bribery to grab the interest of those still sitting on the fence and in the short term, the revealed actions of what is left of the free press, like the New York Times. In the longer term, if Democrats seize control of the House in November, expect them to connect the dots in a public way to make the MAGA brand so toxic that it can affect a regime change in the next presidential elections in 2028.

Continuing with the original post. Corruption is corruption whether committed in secret or in plain view. The difference is that a significant number of American voters do not care if it is in secret or in the open. For them, it is part of Trump's macho, big-businessman mystique and/or he serves some other purposes. We, the people, get the kind of rulers we deserve... and we do not deserve this. When affordability and NO Kings have become the issues motivating political activism, it is also time to add corruption to the list of reasons for a serious regime change in Washington, DC. These three issues, affordability, NO Kings, and corruption, are related, either as a harmful result or empowering the president to act as he does against the interest of the people over which he thinks he rules by executive order. So far, his respect for the rule of law is to abuse it as long as he can get away with it, until challenges reach "his" Supreme Court. Then what?

Populist revolts against corruption, like the Maidan revolution in Ukraine, which eventually led to the Russian invasion, are what tyrants and dictators fear the most. Fear of this motivates these autocrats to crack down even further on those who would expose them. Putin's actions against Navalny are a case in point. Navalny's revolt was fueled by his outrage over Putin and his oligarchs' corruption. (Navalny ended up dead in a gulag). When Viktor Orbán of Hungary faced criticism for his new luxury digs from whatever was left of a free press, he doubled down, destroying the pesky media. In all of these cases, the greed and corruption of these modern-day dictators were hidden from public view until some challenger exposed them.

That is not the case in the USA when Trump is being corrupt right out in the open. His demanding $230 million from the federal cookie jar to cover his legal costs is jaw-dropping. His crypto wealth is based solely on the value of his name and is bought or invested by those seeking favors and foreign policy advantages worldwide, or relief from tariffs in side deals, and pardons for his enablers. These are not decisions that serve the needs of US citizens or that motivate him to faithfully execute the laws of the land, as required by the Constitution. Instead, it contributes to decisions that harm ordinary people's ability to cope with daily pocketbook needs.

Affordability is not just "the groceries". It is also making health care unaffordable to pay for tax breaks for those who do not heed them, wielding power over who and what is subject to tariffs, or giving regulatory relief from consumer and environmental protections.. Tariffs are indeed raising consumer costs, are considered taxes by his allies on the Supreme Court, and he is now selectively backpedaling on a few, in effect admitting they cost consumers. Acting like a king, he grants regulatory favors (with the help of loyal appointees to agency heads and boards or Musk's chainsaw) to big business. This means axing the Consumer Financial Protection Bureau, ending consumer protections against practices that led to the 2008 financial crisis, or ending refunds for those who were wrongfully scammed by illegal financial institution practices. In nine months, he has also removed or controlled any in-house government watchdogs that find and report abuses and corruption to a GOP-controlled Congress and his Justice Department, which has been made moot since both are subservient to him. He threatens the media and press with delicensing or halting mergers if they report inconvenient truths, including those that expose corruption. Trump's increased wealth and political power are also based on favors and tax breaks he has granted and instigated on behalf of his "oligarch" billionaires, whom he sees as his peer group and Mar-a-Lago cronies. Top of his list: reducing their taxes and cutting services and support of the middle class to pay for it.

Once Trump is out of office, the crypto bubble he has ridden to feather his nest will collapse because its value is only access to Trump himself and the power and fear he wields as president. He has monetized his position as president, and when he is no longer president, the value of his family's crypto will decline, too. In the meantime, his crypto has enabled Middle Eastern regimes to invest hundreds of millions of dollars in his family's businesses.

Trump has been able to do this without fear of criminal prosecution because the US Supreme Court granted him immunity. The only other option for addressing corruption is impeachment. Impeachment is only an indictment, but the Senate finding him guilty and removing him is very unlikely because of the supermajority required. For that reason, he survived two other impeachments. Any retribution for his crimes will have to wait until he leaves the Oval Office. If he has his way, he will not leave. It is up to " we the people" to make sure his term is indeed over.

His moral corruption is a whole other issue. His cruelty, his infidelities, his rubbing elbows with sex traffickers and their customers, his p-grabbing boasts and assault (even found liable in court), are worthy of disgust, yet those who profess to be fine Christians look the other way because he serves whatever other purposes they have.

Update 11/19/2025 comments on the Epstein file release vote that cleared Congress 11/28/2025.

The value of the Epstein files vote is recognition that

1)sex trafficking of underage girls is vile, and

2) the issue is non-partisan, condemned by those on both sides of the aisle, and

3) the victims deserve our sympathy, and

4) enforcement of actions against sex trafficking deserves our support and the support of political leaders. The heroes, of course, were the incredibly brave women who, as underage girls deemed too young by law to consent, risked threats to their lives and exposing a painful past to public scrutiny, came forward before world media. Bravo.

5) Whether Trump did any more than rub elbows with Epstein and look away is yet to be determined, but he at least can be judged by the company he once kept.

The challenge for both those advocating for keeping the democracy we have and for exposing corruption is to help voters understand how it impacts them. Autocracies trample on the rights of citizens and their ability to influence public policy that benefits ordinary people. Corruption is the means by which wannabe dictators gain and maintain power. Once these autocrats are in control, they are more interested in protecting their self-interests, remaining in power, and secretly maintaining privileges they value than in protecting the safety and needs of those over whom they rule.

Tsk, tsking, and moral outrage are not enough to end sex trafficking if the ruling powers do not care or are participating in the practice. Class warfare, blaming the ultra-rich for paying for such depravity, is not enough, because human sex trafficking also involves victimizing the poor, less educated, underage, and undeserved. The johns are not always the ultra-rich, either. For sex trafficking to flourish depends upon the powers that be charged with enforcing laws to look the other way with a wink and a nod to boys will be boys.


Monday, February 10, 2025

Buyers beware: con men and billionaires at work updated through 3/22/2025

Update: 3/22/2025 Here is why billionaires and oligarchs should not be in charge of federal human services. This should be shown whenever there is a discussion of Social Security service reductions due to chainsaw Musk. It isn't just Musk. It's the whole Trump regime.
"Only a 'fraudster' would care if they miss a


Continuing with original post:

Buyers beware: if you bought Trump's campaign line about grocery prices and eggs and gas at the pump, he cares not a twit about consumers. He never had powers to roll back grocery prices or even gas at the pump.(crude oil supplies and price per barrel are set in world markets controlled by international cartels) You were conned. He does have the power to raise consumer prices and he thinks he has the power to end protections from financial institutions screwing consumers. He guts the CFPB that protects you from bad-acting financial institutions, raises costs of living by high tariffs, and favors business interests so far in every instance. Trump has admitted consumers will feel the pain from tariffs, but "it will be worth it".Worth it for whom? Not the consumers. For investors, maybe. His announcement regarding a 25% tariff increase for steel and aluminum will further hit consumers with higher prices. Trump's latest tariff plans on steel, aluminum and other imports are spreading uncertainty - ABC News.

https://www.forbes.com/sites/saradorn/2025/02/10/trump-vs-cfpb-russ-vought-orders-consumer-financial-protection-bureau-to-stop-work/ So what now. Here is what those innocent doze boys have done: engineered the largest data breach of personal data held in the Treasury computers. Good work boys. And today, we learned as the Consumer Finance Protection Agency was being shut down, we got invaluable private consumer data and information. Good work, boys. Four young staffers working under Elon Musk gained access to highly sensitive personal data held by a consumer protection agency before shutting it down. Musk allies given access to private consumer data before shutting down agency: sources

Billions and billions of fraud, shouts Musk...he's got the receipts. One was not an 8 billion dollar contract; it was revised to a 8 million contract ....Typo....Musk. It was caught in an audit and corrected in 2023. Is 125 years old getting Ssoi checks? er that, too, was found in 2023 because it used an obsolete coding system (COBOL) that a geek friend of mine would have been picked up by a second-year IT student...and that Musk and his hackers didn't understand that was "hilarious". Here's the 2023 1875 audit report A 2023 Social Security audit regarding the year "1875" primarily found that a significant number of records contained inaccurate data, often using "1875" as a placeholder for missing birth dates, leading to an inflated count of extremely old beneficiaries receiving benefits, which ultimately concluded that the system needed improved data quality checks to prevent such errors from occurring.
Key points about the "1875" audit finding:
Data inconsistency:
The "1875" date was frequently used in records where a person's birthdate was missing, creating a large number of seemingly very old recipients in the system.
System limitations:
This issue likely arose due to coding limitations in the Social Security system, where a missing date field might default to an arbitrary year like 1875.
Impact on calculations:
While not representing actual beneficiaries, this data inconsistency could skew calculations related to program costs and demographics.
What the audit concluded:
Need for data quality improvements:
The audit highlighted the necessity for enhanced data validation procedures to identify and correct inaccurate birthdates.
System updates:
Recommendations were likely made to modify system coding to prevent automatic "1875" entries when birthdate information is missing.
Are 150-year-old Americans receiving Social Security checks ...
1 day ago — For that reason, under some coding systems, a missing value for a date will default to 1875 — which in the year 2025 prod...
Poynter
What is Social Security?
What is Social Security? Designed to pay retired workers age 65 or older a continuing income after retirement. needs-based program...
Social Security Administration (.gov)
Show more
Are 150-year-old Americans receiving Social Security ...
Poynter
https://www.poynter.org › fact-checking › social-security...
1 day ago — The explanation for apparent 150-year-olds receiving checks could relate to arcane coding practices, experts said.

White House budget director Russell Vought ordered wider access to Consumer Financial Protection Bureau materials by staffers working for the so-called Department of Government Efficiency over the weekend before agency chief operating officer Adam Martinez ordered all its employees to stay home for the week, reported Bloomberg News.


MUFTIC FORUM BLOG: Musk's return on investment in Trump has just begun

The 'more sinister' reason behind Musk's attack on consumer protection | Opinion

MUFTIC FORUM BLOG: Wise up, consumers, to the price of eggs and gas at the pump updated 2/3/2025..

What those who support the rule of law should fear the most updated to 6/24/25

Update June 24., 2025, Whistleblower: DOJ official "suggested" ignoring court orders".https://www.nbcnews.com/politics/justice-department/whistleblower-says-top-doj-official-suggested-ignoring-court-orders-de-rcna214763

: June 21, 2025 Alert: a sneak attack on the rule of law. It is bad enough that the Supreme Court gifted immunity to the president from prosecution for criminal conduct. Still, now the GOP Senate has changed this to make it virtually impossible for anyone to sue the federal government and get issued a TRO or injunction, or a temporary restraining order.A provision, first in the House version eliminating the ability of courts to issue contempt charges, and now revised to stop federal courts from issuing temporary restraining orders or preliminary injunctions per the Brennan Center "'On June 13, the Senate Judiciary Committee released a revised version of the budget reconciliation bill that also targets federal courts’ power to restrain the government. The revised provision preserves judges’ contempt authority but forbids courts from issuing temporary restraining orders or preliminary injunctions against the federal government unless the plaintiffs post a bond to cover any damages or costs to the government if the government eventually wins the case. The requirement does not take into account plaintiffs’ ability to pay, which would make it all but impossible to obtain preliminary relief against the government in many cases. Not only that, it would be retroactive to all pending cases. https://www.brennancenter.org/our-work/analysis-opinion/budget-bill-would-gut-federal-courts-ability-enforce-orders#:~:text=Buried%20in%20the%20House 's%20budget,compelling%20compliance%20with%20court%20orders.

This is one more step in the Trump administration's attempt to emasculate the only leg of the separation of power, left standing, turning us into a one-man rule, controlling in the one branch of the government left: the executive branch. The legislative branch, Congress, is little more than a rubber stamp and enabler of the Trump regime's power grab. This is how we become an autocracy that is a dictatorship of one person, by removing any ability of the judicial branch to hold the executive branch accountable. It must be stopped.

This is one more step in the Trump administration's attempt to emasculate the only leg of the separation of power, left standing,  turning us into a one-man rule, controlling in the one branch of the government left: the executive branch. The legislative branch, Congress, is little more than a rubber stamp and enabler of the Trump regime's power grab. This is how we become an autocracy that is a dictatorship of one person, by removing any ability of the judicial branch to hold the executive branch accountable.  It must be stopped.

HAS A NAPOLEON COMPLEX. The difference? Trump is taller. Trump on X 2/26/2025 compared view of law-abiding; he is above it and does not need to comply. He referred to Napoleon, who asserted: “He who saves his country does not violate any Law" as Napolen'ss rationale for doing what he needed to do to be an Emperor. Since then, short people who bully to reach the unsatiated need for power have a Napoleon complex. It is not meant as a compliment but a damnation'. What Trump is implying: he is above the law and has immunity beyond the Supreme Court limiting it to criminal prosecution for what he does in official duties.

What should those who support the rule of law instead of the rule of a person fear the most? What if the Trump regime defies court orders? It is a real possibility.  In fact, he is already doing it: Judge Rules That Trump Administration Defied Order to Unfreeze Billions in Federal Grants - The New York Times and n the USAID shuttering.  The Trump regime ignored the orders and kept the agencies closed. Now what? There are some effective measures brewing to counter this.

https://mufticforumblog.blogspot.com/2025/03/whats-big-deal-about-rule-of-law.html

The red flag was raised as  Trump pushed back on a judge's ruling denying Musk access to the Treasury Department's personal data on nearly everyone in the US. Musk railed against the judge and indicated that no judge should get away with that, as Musk calls for the impeachment of the judge:  “No judge should frankly be allowed to make that kind of a decision.”  https://www.pbs.org/newshour/politics/vance-and-musk-attack-judicial-authority-as-trumps-agenda-gets-pushback-from-courts    The implication was that when judges make decisions that go against the Trump regime, they should be impeached.  The strongest voices around Trump are telling Trump what he wants to hear. VP J D Vance had already announced earlier he believes Trump can ignore judges's rulings.  https:ld //www.rollingstone.com/politics/politics-news/jd-vance-trump-can-ignore-judges-1235261430/. Now  opines Vance "judges aren't allowed to control the executive's legitimate power," https://www.newsweek.com/jd-vance-comment-questioning-court-authority-sparks-backlash-2028651. The hitch, of course, is what is "legitimate" and who decides that? Per Vance, it is the one grabbing power but not the courts. 

So far, only one institution has been attempting to uphold the rule of law. It is the judicial system, except for the Supreme Court, which ruled that the president is above the law and cannot be prosecuted for crimes committed as part of official duties. Congress has been so co-opted that they seem willing to give up what powers they once had: to hold Trump to the rule of law. Impeachment is a non-starter. Been there, done that anyway.

 Individual lawyers were reminded they also had to abide by the rule of law and due process as well, and the Bar Association would take action. The https://www.mediaite.com/politics/american-bar-association-rips-trump-and-musk-for-acting-contrary-to-the-rule-of-law/  Left unstated was whether the Bar would seek disbarment. There were attorney disbarments in the wake of January 6 and election denial, including Rudi Guiliani.

 The real-life, real-time concern now is that Trump has just ignored our decisions that go against the Trump agenda and continues the forbidden actions as if they never heard the court orders. The rule by presidential executive order is legitimate, claims some powerful voices in the Trump regime. They are defying the part of the Constitution that defines the role of the executive branch's primary role is to" take care that the laws be faithfully executed," meaning it is responsible for carrying out the laws passed by Congress and the power is given to the President to do so. Article II. (per Google AI) 

Some are talking about a class action civil suit against the administration, per Rep. Jamie Raskin. .https://www.msnbc.com/the-weekend/watch/can-you-sue-elon-musk-rep-raskin-lays-out-class-action-lawsuit-theory-after-treasury-data-accessed-231499333877  The Supreme Court's granting immunity to Trump from criminal prosecution, but civil suits were not covered, as of yet.

There is another way, too, per Sen. Elizabeth Warren on Rachel Maddow 2 10 2025. No need to wait fo these cases to get to the Supreme Court. It can happen immediately and in the lower federal courts. Courts can hold the administrator of the agency in contempt and send them to the clinker or fine them.   The lower echelons do not have presidential immunity for criminal behavior nor are they protected from civil liability. Trump appointees may just find themselves personally in legal and financial hot water.  Let's see how that plays out. If the judge rules there was contempt of court and issues a jail sentence as punishment, who escorts the accused to jail? Usually it is done by the marshall's service, but Trump appoints them. There could be appeals filed by the Trump regime as part of their delay game. You can see how this could evolve into the constitutional crisis of our lifetime over the preservation over the rule of law instead of the rule of an autocrat.  This could get ugly. Only pressure from within MAGA and their senator loyalists could convince Trump to back off.

So, ignoring the judicial system and defying rulings is now what is in store for us. The MAGA coup would now be complete, and the bedrock of democracy, the rule of law, would now be the rule of Trump, and we have lost our republic.  The people, the voters, are no longer governing themselves or have the power to shape laws they expect to be obeyed and are now at the mercy of the president.  The very essence of what defines democracy as ruled by the people has been de facto lost and placed in the hands of an aspiring dictator. 

If all else fails, the fallback is the voters themselves. They still have the ability to do it through free and fair elections, and fair and free elections have not been destroyed by MAGA yet. The first chance is in the midterms for Democrats to win back the majority, and the target should be the MAGA congresspeople from purple and blue districts.  Be aware that the billionaires now supporting Trump can buy elections with enough money to drown out the voices of the opposing Democrats.


The 'more sinister' reason behind Musk's attack on consumer protection | Opinion

Deep in the political philosophy weeds for those who seek a perspective to understand why MAGA is such a danger to democracy as we have known it for 250 years.

In a discussion with a grandchild who was so disillusioned with the government that he lapsed into nihilism and embraced anarchy, I countered with some political philosophy on my own. His point was that both Republicans and Democrats were equally corrupt and evil. My response: it's humanity that's the problem. Government can keep the worst of its nature in check. It is those checks that the supporters of Trump and Project 2025 want to tear down and give their lack of morality and their evil designs of greed and lust to rule unlimited.

My answer is that our founders, especially James Madison, believed that humanity was also morally evil, but reason could overcome that. A government, if constructed properly, could help reason and immorality beat down the passions that plague humanity. The problem is humanity itself and the nature of humanity. The tragedy today is that there are forces who want those "passions" unchecked, using a wrecking ball to the constraints provided in the Constitution, removing and destroying checks and balances and, individual rights, and more. 

The political philosophy behind the Constitution recognized man had passions that could be held in check by reason and moral conscience, and government could help that reason and morality keep these passions in bounds.  In simple terms, men have "passions" (basically evil and immoral) that reason can balance out and overcome.   Government can support that reason.  Here are the concepts that Madison's philosophy permeate the form of democracy we have enjoyed for 250 years and what the radical right views want to destroy, reflected in Project 2025.  They want to remove any checks on balances that keep "passions" in check. Princeton educated many of our country's founders and shaped their political beliefs. James Madison in particular took his lessons in philosophy at Princeotn and the Constitution reflects much of it. As a practicing Presbyterian, Princeton was its mothership,  the shaper of its religious preachers, and the views I have reflect the same Scottish philosophers taught by the Scottish professors at Princeton that eventually shaped our country and the form of Madisonian democracy we have today. (My youth pastor was an immigrant Scotsman, and at that time, Presbyterian ministers had to have a Ph.D. from Princeton). Dr. Latham was 100% Scots, born and bred in Scotland, complete with the brogue. Fate somehow found his flock being the First Presbyterian church in Muskkogee, Oklahoma)..

https://paw.princeton.edu/article/essay-witherspoon-madison-moral-philosophy-and-constitution#:~:text=President%20Eisgruber%20'83's%20focus%20on,and%20put%20it%20on%20display.

"So each entity – whether individual or government – has an interest in keeping passions within bounds set by reason and a moral conscience. This is likely the lesson Madison learned from Witherspoon’s lectures on moral philosophy. We see this lesson applied everywhere throughout the Constitution, e.g., checks and balances, separation of powers, Senate veto over the House, presidential veto over Congress, the implied power of judicial review over everyone, indirect election of senators by state legislatures (changed to direct election by the 17th amendment), and indirect election of the president by the Electoral College. We see it also in the Bill of Rights, which is to prevent the trial and conviction of another Socrates, a prophet, or even Jesus himself."


Tuesday, November 26, 2024

Resistance is not enough. Democrats have a winnng leg to stand on updated 12/14/2024

 Resistance is not enough. Democrats have a winning leg to stand on that MAGA does not: It is economic fairness, the lack of which is underlying the demise and resentment of the middle class. Such economic populism can work both ways depending upon who gets the blame.  In 2024 Trump won as more voted for cheaper and in 2025 we will get higher prices and much more: inflation per every economist on the planet. The fallout will not only be political, it will be painful for anyone who is price-sensitive. The last time we tried such a stunt was in the early thirties. https://www.investopedia.com/terms/s/smoot-hawley-tariff-act

That is the Democrat's messaging challenge: to make sure the Trump regime gets the blame when inflation happens and health care becomes more expensive again, as the cost of housing keeps on soaring, and grocery prices increase, making the Biden era look like the good old days.

 In fact, if there was one issue that tipped the election to Trump, it was his promise to lower grocery prices. He made a big deal of it in his campaign, he promised he would, polls confirmed that was the reason he won, and now he is already admitting he will have a hard time rolling back grocery prices. In fact, the likelihood that grocery prices will inflate will be due to his tariffs on imports from Mexico and a labor shortage from farm to processing caused by mass deportations. https://www.yahoo.com/news/donald-trump-already-walked-back-221600205.html

Trump says it will be 'hard' to bring grocery prices down. Here's why. Already, Trump is blaming Biden, not COVID-19, not supply chain mess-ups, empty shelves, or stimulus checks causing more demand than supply. As Biden leaves office, grocery price inflation had been near zero for the past year. However, if grocery prices go south, tariffs and immigration  mass deportations will be to blame,. The message must be more than "we told you so," but to tie it to Trump's own actions and deserved blame for whatever happened on his watch.

Update 1/20/2025 WORTH a read if you can getting through the paywall. My thoughts: if the the feds won't do it, states are trying.

To add insult to injury, the billionaire Elon Musk in charge of Trump's current thinking about cutting "duplicative and unnecessary agencies" has just targeted the recently instituted the Consumer Financial Protection Bureau. (CFPB)Unnecessary for whom? Certainly not necessary for a billionaire. Duplicative of what agency? It was set up to do what other agencies had failed to do or had the power to do. Per Google AI, The FTC's Bureau of Productions for Consumer Protection ICFstops unfair, deceptive, and fraudulent business practices by collecting complaints and conducting investigations, suing companies and people that break the law. developing rules to maintain a fair marketplace. I spent over 20 years as an executive with consumer protection agencies, one similar to the CFPB on the local level, and a credit counseling agency (non-profit) , dealing with debt, foreclosure, and local, public, and private agencies attempting to help consumers deal with these kinds of financial problems. However, when we attempted to alert the Federal Trade Commission about a pattern of civil fraud, there was no easy way to do it nor was there a focus at the FTC to deal with consumer complaints.  Musk does not have a clue of how important the Bureau is. Per the bureau:

  • 4 million+ consumer complaints received responses
  • $20.7 billion+ in financial relief as a result of CFPB actions
  • 205 million+ people eligible for financial relief and their current target: credit card and bank junk fees.
 
That is a good reason why billionaires should not be making such policies.https://www.reuters.com/world/us/musk-calls-abolishing-consumer-finance-watchdog-targeted-by-republicans-2024-11-27

 For simplicity in messaging, Democrats can paint the GOP (the Trump version) as the party of billionaires while the rest of us sacrifice what makes our lives easier in order to enable their tax breaks and deregulation.  Perhaps, as others have called this, we could tag this as government by an oligopoly or use the Russian term oligarchs.  Trump is still in charge, however, and he sees a benefit to his ego, the measure of his own wealth and influence. to be part of this peer group, and he owes them for important financing of his 2024 campaign. 

 If there is one policy issue that will cause a backlash by everyone, this is it. High tariffs equal high prices. Such inflation caused low-information voters to switch to Trump. It could also cause them to switch back to Democrats. Trump's campaign promises of reducing costs of living for those on a budget are doomed to failure if he makes prices higher and he sabotages what the middle class has taken for granted, access to affordable health care, consumer protections from corporate greed, and social security and Medicare for those who retire.

. In my early adulthood, the middle class could own a home, send kids to college, mom could be a stay-at-home one, and even maybe take a vacation.  The income dad bought home was sufficient. Their buying power permitted it. Since the 1970's the trend to keep that going slowly died off as tax and perk policies, money (now dark, thanks to Citizen's United) from corporate and individually wealthy billionaires have flowed into the political system, sucking the middle class dry with their favoritism and self-interests. Now, they are the ones, yes, like Elon Musk, whispering in the ears of Trump. So long as Trump delivers on his promise to lower grocery prices, the stock market remains bullish, gas at the pump remains at under $3 and the cost of what the middle class buys becomes cheaper,  no one cares if the oligarchs get richer.

Trump is now doubling down on tariffs on even our largest trading partners: Mexico and Canada, in addition to Asian countries, policies guaranteed to make nearly everything middle-class buys more expensive.  If he continues with that insanity, the backlash will be more than palpable, but Democrats have to be able to seize the day, putting the blame where it belongs, and then make the case in simple terms they can make life better. They failed to do that in 2024. Saying and doing the same way over again won't work. They need to get their messaging methods and content retooled and refocused on what the electorate is feeling at the time.

The  Democrats ' answer should be a return to their roots and re-establishing their historic posture of the party of those who are struggling to make ends meet.  The history of the Democratic party used to be as a champion for those left behind. There is no hypocrisy here and plenty of credibility.   Democrats can make the case in the next four years that rule by the ultra-rich on behalf of their corporate interests may talk the populist grievances and say "they feel your pain," but the walk they walk is just making themselves richer. 

 https://mufticforumblog.blogspot.com/2024/11/elitists-v-simple-speakeducation-is.html

https://mufticforumblog.blogspot.com/2024/11/trumps-achilles-heels-

Elon Musk publicized the names of government employees he wants to cut. It’s terrifying federal workers

https://mufticforumblog.blogspot.com/2024/10/democracy-has-oligarch-problem.html

https://crsreports.congress.gov/product/pdf/R/R42615/6#:~:text=The%20Consumer%20Financial%20Protection%20Bureau%20(CFPB)%2C%20which%20formally%20started,the%20Dodd%2DFrank%20Act).

ttps://www.newsweek.com/will-trumps-tariffs-drive-inflation-1995274